You can go to the loan bank to open a settlement certificate first; Then go to the Housing Authority to inquire with the settlement certificate and ID card.

The process of releasing the mortgage after the mortgage is paid off is as follows:

1. Ask for the loan settlement certificate. For the same mortgage cancellation procedure, you also need this loan settlement certificate to prove that your loan has been paid off in full.

2. Prepare mortgage cancellation information. There is little information about mortgage cancellation, and generally only the original ID card of the lender and the original loan settlement certificate are needed.

3. Apply to the loan bank for account cancellation. Bring the above materials to the personal loan center of your loan bank to apply for mortgage cancellation. You don't need a written application, you can apply orally.

4. Enter the cancellation information online. The staff will enter your identity information into the special online mortgage cancellation system according to the documents you provide, and then click on the appointment to cancel the mortgage, which means that your mortgage cancellation application has been submitted successfully, waiting for the online review and operation of the Housing Authority.

5. Check with the Housing Authority. The general staff will tell you that after about half a month, go to the Housing Authority to inquire about the cancellation of the mortgage of house ownership. If you can't find the mortgage information, it means that your house has gone through the mortgage cancellation procedures.

6. get back the real estate certificate. If the other party pawned your real estate license or issued a certificate of other rights to you at the time of mortgage, you can go to the mortgagee to get your real estate license back, or go to the Housing Authority to cancel other rights for the record.

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1. Generally, for the mortgaged housing loan, the borrower can apply for mortgage cancellation after paying off all the loan principal and interest, and some banks can handle the mortgage cancellation procedures on his behalf. As the policies of mortgage registration agencies vary from place to place, please consult the loan handling outlets for details.

2. Prepare delivery information. In order to handle the mortgage cancellation procedures of vehicles, it is necessary to prepare corresponding materials, such as repayment bank flow and loan settlement certificate. There should be more information, not less, so as to avoid being unable to process it because the information is not gathered together.

3. Proof of loan settlement. The most important thing to handle the mortgage cancellation procedures is this mortgage cancellation certificate. Generally, this certificate will be issued to you by the lending institution one month after your loan is paid off. After receiving this card, you must keep it well and never lose it.

The process of mortgage payment after the house loan is paid off

The process of real estate mortgage cancellation procedures is:

1. Preparation materials: original real estate license, copy of real estate license amount, ID card, marriage certificate (marriage certificate or single certificate or divorce certificate), income certificate, social security details, etc.

2. Make an appointment at the bank to sign a mortgage loan contract at the bank (the real estate license requires both the property owner and the husband and wife to hold their ID cards at the bank);

Legal basis: The procedures for real estate mortgage cancellation are as follows:

1. Preparation materials: original real estate license, copy of real estate license amount, ID card, marriage certificate (marriage certificate or single certificate or divorce certificate), income certificate, social security details, etc.

2. Make an appointment at the bank to sign a mortgage loan contract at the bank (the real estate license requires both the property owner and the husband and wife to hold their ID cards at the bank);

3. After the mortgage is approved, go to the housing exchange for mortgage registration;

4. Take out the property right certificate with mortgage registration in the housing exchange, and then send it back to the bank for loan;

5. The general mortgage loan is about one month (30 working days).

Second, what should I pay attention to when issuing real estate licenses?

1. Find a formal company loan: If you don't choose to use the buyer's down payment to understand the mortgage, it means that you need to choose between finding an intermediary loan to solve the mortgage and finding a guarantee company to solve the mortgage. But I have to remind you that you must find a regular company, otherwise it is a trivial matter and very troublesome to be overcharged.

2. Obtain the consent of the bank: According to the provisions of the Civil Code and the Regulations on the Administration of Real Estate Mortgage, the mortgaged real estate can only be transferred or leased with the consent of the mortgagee (that is, the bank). In other words, before you transfer the mortgaged property, you must first obtain the consent of the bank, otherwise you can't buy or sell it. If you sign the contract seriously, you must know the contents of the contract.

3. Cancellation of mortgage means going to the Housing Authority to go through the mortgage cancellation procedures of other rights of the real estate license and get the real estate license back. After the mortgage loan is paid off, the commercial loan house mainly goes to the trading hall to cancel the mortgage with the loan settlement certificate (A4 paper) issued by the bank and the certificate of other rights of real estate, without charging any fees.

Legal Analysis: Article 408 of the Civil Code

If the mortgagor's behavior is enough to reduce the value of the mortgaged property, the mortgagee has the right to ask the mortgagor to stop his behavior; If the value of the collateral decreases, the mortgagee has the right to demand the restoration of the value of the collateral or provide a guarantee corresponding to the decreased value. If the mortgagor fails to restore the value of the collateral or provide guarantee, the mortgagee has the right to demand the debtor to pay off the debt in advance.

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How to release the mortgage after the house loan is paid off?

1. After the loan is paid off, go directly to the borrowing bank to apply for repayment, and bring your ID card, monthly repayment card, loan contract and other materials; 2. The bank will issue a certificate to the owner that the loan has been paid off, and affix the seal of the loan on the owner's real estate license, and then the owner will take the ID card and real estate license to the local real estate department to cancel the mortgage; 3. After paying off the loan, the real estate bureau will also stamp the real estate license and cancel the mortgage registration.

What matters should be paid attention to when signing a pledge contract

1. The parties shall conclude a mortgage contract in writing.

2. Make it clear that the mortgage contract is a subsidiary contract of the main contract (loan contract), and when the main contract is invalid, the mortgage contract is also invalid. At present, China's laws prohibit lending between enterprises, but there is no such provision for lending between individuals, so we should pay special attention to the validity of the main contract when signing the mortgage contract.

3. It cannot be stipulated in the mortgage contract that "when the mortgagee fails to pay off the debt at the expiration of the debt performance period, the ownership of the collateral will be transferred to the creditor". This agreement has no legal effect.

4. If it is a property that must be registered as a mortgage, such as real estate, land, cars, etc. , used as collateral, it shall apply to the relevant departments for mortgage registration. If the mortgage registration formalities are not handled, the mortgage contract will not take effect; If other properties are used as collateral, they may voluntarily apply to the notary department for mortgage registration, and the effectiveness against a third party (except the mortgage contract) can only occur after the mortgage registration procedures are completed.

5. Pay attention to the legal department for mortgage registration. Only the land use right is mortgaged, which is the land management department that issues the land use right certificate; Where buildings such as urban real estate or factories of township (town) and village enterprises are mortgaged, the departments designated by local people's governments at or above the county level; Where forest trees are mortgaged, the competent forestry authorities at or above the county level; Where vehicles and ships are mortgaged, the means of transport registration department; Where enterprise equipment and other movable property are mortgaged, the administrative department for industry and commerce where the property is located.

Legal basis:

"Measures for the Administration of Urban Real Estate Mortgage Registration" Article 32 To handle the registration of real estate mortgage, the following documents shall be submitted to the registration authority:

(1) The identity certificate or legal person qualification certificate of the mortgagor;

(2) An application for mortgage registration;

(3) mortgage contract;

(4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted;

(5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage;

(6) Information that can prove the value of mortgaged real estate:

(7) Other documents deemed necessary by the registration authority.

How to cancel the mortgage after the mortgage is paid off

Process of releasing the mortgage after paying off the mortgage:

First of all, the user should go to the loan bank to issue a settlement certificate and get back the real estate license and the house ownership certificate.

2. Bring the ID card, settlement certificate, real estate license and other warrants to the Housing Authority to apply for housing release, and fill in the Application Form for Housing Release.

Third, the staff of the Housing Authority can go through the mortgage cancellation procedures after reviewing the information and confirming that there is no problem.

In addition, you can entrust others to handle the house release procedures, but you need a power of attorney issued by the notary office, and the client will go to the Housing Authority with the power of attorney and related materials.

Process of releasing the mortgage after paying off the mortgage:

First of all, the user should go to the loan bank to issue a settlement certificate and get back the real estate license and the house ownership certificate.

2. Bring the ID card, settlement certificate, real estate license and other warrants to the Housing Authority to apply for housing release, and fill in the Application Form for Housing Release.

Third, the staff of the Housing Authority can go through the mortgage cancellation procedures after reviewing the information and confirming that there is no problem.

In addition, you can entrust others to handle the house release procedures, but you need a power of attorney issued by the notary office, and the client will go to the Housing Authority with the power of attorney and related materials.

This is the end of the introduction about paying off the loan, decompressing the real estate license and decompressing the real estate license after paying off the loan. I wonder if you have found the information you need?